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Summary Plan Description

Participation In The Pension Plan

Required Employment To Qualify As A Participant In The Plan

In order for an employee to be a Participant in the Plan, the employee must be one of the following:

1. A person who is employed by a Contributing Employer and whose primary occupation is in a classification in a collective bargaining unit represented by a Union affiliated with Teamsters Joint Council No. 40, and covered by a Collective Bargaining Agreement requiring contributions to be made to the Plan on the person's behalf.

2. A full-time officer or other full-time employee of a Union which represents employees of Contributing Employers, and which Union agrees to make contributions to the Plan pursuant to a Participation Agreement on the officer's or employee's behalf.

3. A full-time supervisory or office employee of any employer's association or health and welfare fund, whose membership is in whole or in part composed of Participants or Employers of Participants, and which employer's association or health and welfare fund agrees to make contributions to the Plan pursuant to a Participation Agreement on the employee's behalf.

4. A full-time employee of any credit union, the majority of whose members are members of a Union affiliated with Teamsters Joint Council No. 40, and which credit union agrees to make contributions to the Plan pursuant to a Participation Agreement on the employee's behalf.

5. A full-time employee of the Plan for whom contributions are made pursuant to a Participation Agreement.

Any employment as an employer, as a member of a partnership, or as a self-employed person, or as a supervisor, is not considered Covered Service, except as noted above, for purposes of this Plan. Pension benefits will not be paid to Participants who are found to be ineligible for coverage with the Plan, even though contributions were made to the Plan on their behalf.

 Date Of Participation In The Plan

You automatically became a Participant in the Plan if you were in the regular service of a Contributing Employer on January 1, 1976. You became a Participant in the Plan on or after January 1, 1976 if you became employed on or after January 1, 1976 in employment which made you eligible to become a Participant.

 The date that you became a Participant in the Plan is important because that date determines the amended versions of the Agreement And Declaration Of Trust and Pension Plan that are applicable to you.

 Examples

Assume that you earned 15 Years of Credited Service for the period January 1, 1959 to December 31, 1973, and that contributions were not made to the Plan on your behalf thereafter. The determination of your eligibility for the receipt of a benefit, and the amount of the benefit, from the Plan, is governed by the provisions of the Plan in effect on your Termination Date (December 31, 1973).

Assume that you earned 8 Years of Credited Service for the period January 1, 1966 to December 31, 1973, and an additional 21 Years of Credited Service for the period January 1, 1978 to December 31, 1998. Due to the fact that you incurred a permanent Break-in-Service under the rules in effect prior to January 1, 1976 (a period of 2 years when contributions were not made on your behalf), the Credited Service earned prior to January 1, 1976 is governed by the provisions of the Plan in effect on the last date of coverage prior to January 1, 1976 (December 31, 1973); the Credited Service earned after January 1, 1976 is governed by the provisions of the Plan in effect on your Termination Date (December 31, 1998).

Assume that you earned 25 Years of Credited Service for the period of January 1, 1974 to December 31, 1998. Due to the fact that you were an active Participant in the Plan on January 1, 1976, all of the Credited Service you earned is governed by the provisions of the Plan in effect on your Termination Date (December 31, 1998).

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